I've had to teach myself.

As I've posted other places, my (long divorced) parents are both in financial trouble now (massive credit card debt and dad is probably a compulsive shopper). This is not the first time for either of them. I'm in my 30's. They've asked/expected me to help them out to differing degrees. Saying no to that has been a hard lesson for me - but I have to look out for my own (and my DH's) financial security now.